Exhibit 25(b)

SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM T-1

STATEMENT OF ELIGIBILITY
UNDER THE TRUST INDENTURE ACT OF 1939
OF A CORPORATION DESIGNATED TO ACT AS
TRUSTEE

CHECK IF AN APPLICATION TO DETERMINE
ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION
305(b)(2) __________________

HARRIS TRUST AND SAVINGS BANK
(Name of Trustee)

ILLINOIS 36-1194448
(State of Incorporation) (I.R.S. Employer Identification Number)

111 WEST MONROE STREET, CHICAGO, ILLINOIS 60603
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)

MARIAN ONISCHAK, HARRIS TRUST AND SAVINGS BANK,
111 WEST MONROE STREET, CHICAGO, ILLINOIS 60603
312-461-2532
(Name, address and telephone number for agent for service)

NORWEST FINANCIAL, INC.
(Name of obligor)

IOWA 42-1186565
(State of Incorporation) (I.R.S. Employer Identification Number)

206 EIGHTH STREET
DES MOINES, ILLINOIS 50309
(Address of Principal offices)

DEBT SECURITIES
(Title of indenture securities)

1. GENERAL INFORMATION. Furnish the following information as to the
Trustee:

(a) Name and address of each examining or supervising authority to
which it is subject.

Commissioner of Banks and Trust Companies, State of Illinois,
Springfield, Illinois; Chicago Clearing House Association; 164
West Jackson Boulevard, Chicago, Illinois; Federal Deposit
Insurance Corporation, Washington, D.C.; The Board of Governors
of the Federal Reserve System, Washington, D.C.

(b) Whether it is authorized to exercise corporate trust powers.

Harris Trust and Savings Bank is authorized to exercise corporate
trust powers.

2. AFFILIATIONS WITH OBLIGOR. If the Obligor is an affiliate of the
Trustee, describe each such affiliation.

The Obligor is not an affiliate of the Trustee.

3. thru 15.

NO RESPONSE NECESSARY

16. LIST OF EXHIBITS

1. A copy of the articles of association of the Trustee is now in
effect which includes the authority of the trustee to commence
business and to exercise corporate trust powers.

A copy of the Certificate of Merger dated April 1, 1972 between
Harris Trust and Savings Bank, HTS Bank and Harris Bankcorp, Inc.
which constitutes the articles of association of the Trustee as now
in effect and includes the authority of the Trustee to commence
business and to exercise corporate trust powers was filed in
connection with the Registration Statement of Louisville Gas and
Electric Company, File No. 2-44295, and is incorporated herein by
reference.

2. A copy of the existing by-laws of the Trustee.

A copy of the existing by-laws of the Trustee was filed in
connection with the Registration Statement of Hillenbrand
Industries, Inc., File No. 33-44086, and is incorporated herein by
reference.

3. The consents of the Trustee required by Section 321(b) of the Act.

(included as Exhibit A on page 2 of this statement)

4. A copy of the latest report of condition of the Trustee published
pursuant to law or the requirements of its supervising or examining
authority.

(included as Exhibit B on page 3 of this statement)

SIGNATURE

Pursuant to the requirements of the Trust Indenture Act of 1939, the Trustee,
HARRIS TRUST AND SAVINGS BANK, a corporation organized and existing under
the laws of the State of Illinois, has duly caused this statement of
eligibility to be signed on its behalf by the undersigned, thereunto duly
authorized, all in the City of Chicago, and State of Illinois, on the 21st
day of March, 2000.

HARRIS TRUST AND SAVINGS BANK

By: /s/ Marian Onischak
---------------------------------
Marian Onischak
Assistant Vice President

EXHIBIT A

The consents of the trustee required by Section 321(b) of the Act.

Harris Trust and Savings Bank, as the Trustee herein named, hereby consents
that reports of examinations of said trustee by Federal and State authorities
may be furnished by such authorities to the Securities and Exchange
Commission upon request therefor.

HARRIS TRUST AND SAVINGS BANK

By: /s/ Marian Onischak
---------------------------------
Marian Onischak
Assistant Vice President

EXHIBIT B

Attached is a true and correct copy of the statement of condition of Harris
Trust and Savings Bank as of September 30, 1999, as published in accordance
with a call made by the State Banking Authority and by the Federal Reserve
Bank of the Seventh Reserve District.

[LOGO]
HARRIS TRUST AND SAVINGS BANK
111 WEST MONROE STREET
CHICAGO, ILLINOIS 60603

of Chicago, Illinois, And Foreign and Domestic Subsidiaries, at the close of
business on September 30, 1999, a state banking institution organized and
operating under the banking laws of this State and a member of the Federal
Reserve System. Published in accordance with a call made by the Commissioner
of Banks and Trust Companies of the State of Illinois and by the Federal
Reserve Bank of this District.

BANK'S TRANSIT NUMBER 71000288

THOUSANDS
OF DOLLARS

ASSETS
CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS:
NON-INTEREST BEARING BALANCES AND CURRENCY AND COIN ......................... $ 1,139,804
INTEREST BEARING BALANCES ................................................... $ 223,943
SECURITIES .......................................................................
A. HELD TO MATURITY SECURITIES .................................................. $ 0
B. AVAILABLE-FOR-SALE SECURITIES ................................................ $ 5,773,313
FEDERAL FUNDS SOLD AND SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL ........... $ 148,650
LOANS AND LEASE FINANCING RECEIVABLES:
LOANS AND LEASES, NET OF UNEARNED INCOME .................................... $9,752,500
LESS: ALLOWANCE FOR LOAN AND LEASE LOSSES .................................. $ 111,660
----------
LOANS AND LEASES, NET OF UNEARNED INCOME, ALLOWANCE, AND RESERVE
(ITEM 4.a MINUS 4.b) ....................................................... $ 9,640,840
ASSETS HELD IN TRADING ACCOUNTS .................................................. $ 193,520
PREMISES AND FIXED ASSETS (INCLUDING CAPITALIZED LEASES) ......................... $ 271,847
OTHER REAL ESTATE OWNED .......................................................... $ 339
INVESTMENTS IN UNCONSOLIDATED SUBSIDIARIES AND ASSOCIATED COMPANIES .............. $ 0
CUSTOMER'S LIABILITY TO THIS BANK ON ACCEPTANCES OUTSTANDING ..................... $ 44,067
INTANGIBLE ASSETS ................................................................ $ 245,968
OTHER ASSETS ..................................................................... $ 1,328,114
-----------
TOTAL ASSETS ..................................................................... $19,010,405
===========

THOUSANDS
OF DOLLARS

LIABILITIES
DEPOSITS:
IN DOMESTIC OFFICES ......................................................... $ 9,579,731
NON-INTEREST BEARING .................................................... $2,953,755
INTEREST BEARING ........................................................ $6,625,976
IN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBF'S .............. $ 1,396,781
NON-INTEREST BEARING .................................................... $ 21,682
INTEREST BEARING ........................................................ $1,375,099
FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
IN DOMESTIC OFFICES OF THE BANK AND OF ITS EDGE AND AGREEMENT SUBSIDIARIES,
AND IBF'S:
FEDERAL FUNDS PURCHASED & SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE ......... $ 3,951,113
TRADING LIABILITIES .............................................................. 91,252
OTHER BORROWED MONEY .............................................................
A. WITH REMAINING MATURITY OF ONE YEAR OR LESS .................................. $ 1,978,203
B. WITH REMAINING MATURITY OF MORE THAN ONE YEAR ................................ $ 0
BANK'S LIABILITY ON ACCEPTANCES EXECUTED AND OUTSTANDING ......................... $ 44,067
SUBORDINATED NOTES AND DEBENTURES ................................................ $ 225,000
OTHER LIABILITES ................................................................. $ 481,642
-----------
TOTAL LIABILITIES ................................................................ $17,747,789
===========

EQUITY CAPITAL
COMMON STOCK ..................................................................... $ 100,000
SURPLUS .......................................................................... $ 609,913
A. UNDIVIDED PROFITS AND CAPITAL RESERVES ....................................... $ 657,705
B. NET UNREALIZED HOLDING GAINS (LOSSES) ON AVAILABLE-FOR-SALE SECURITIES ....... $ (105,002)
-----------
TOTAL EQUITY CAPITAL ............................................................. $ 1,262,616
===========
TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, AND EQUITY CAPITAL .............. $19,010,405
===========

I, Christy Wipper, Vice President of the above-named bank, do hereby
declare that this Report of Condition has been prepared in conformance with
the instructions issued by the Board of Governors of the Federal Reserve
System and is true to the best of my knowledge and belief.

CHRISTY WIPPER
10/26/99

We, the undersigned directors, attest to the correctness of this Report
of Condition and declare that it has been examined by us and, to the best of
our knowledge and belief, has been prepared in conformance with the
instructions issued by the Board of Governors of the Federal Reserve System
and the Commissioner of Banks and Trust Companies of the State of Illinois
and is true and correct.

ALAN G. McNALLY,
EDWARD W. LYMAN, Directors
LEO M. HENIKOFF